How Can We Help You

I'm a Plan Participant
In My 40s
Your spending plan

Sidebar: Saving for Retirement in 3 Simple Steps

See how much to save now

Retirement Goal
LOG IN TO YOUR ACCOUNT


See how much to contribute

Contribution Limits Calculator
Determine the maximum amount you can contribute 

Our vision of retirement may still be clouded with the anticipation of additional expenses such as college tuition for your kids, wedding costs, and expenses of replacing your vehicles and repairing your home. Saving for retirement is still on your to-do list.

Prioritize Saving for Retirement

Start seriously thinking about making saving for retirement a priority. We know that you have competing expenses hitting your paycheck. Prioritizing retirement savings first will help you to envision your future income goals sooner. Make retirement savings number 1 on your to-do list. You are still 15 to 25 years away from retirement, but now is the time to ramp up your savings.

Your 40s is also the time to evaluate your life plan. Do you have a will established? Do you have additional retirement plans held elsewhere? Do you have enough life, car, and home-owner's insurance? Did you pay yourself first in retirement savings? These are the questions you need to ask yourself so you can make a plan.

Open or Increase Your Contribution
to the 403(b) Smart Account Today 

Thousands of Y employees are voluntarily saving their own tax-deferred dollars with the Fund and enjoying the tax benefits of doing so. If you haven’t opened a 403(b) Smart Account yet, now is a great time to do so. There is no minimum amount required to open an account, and any Y employee can open an account any time. You can change or stop the amount you save any time, and there is no minimum balance to keep your account open, as long as you are working for the Y. 

Save more in a 403(b) Smart Account today!